GSDA GROUP LIMITED

Executive Summary

GSDA GROUP LIMITED is a newly formed micro-entity with a very modest financial base and no liabilities, indicating low immediate credit risk but also limited operating history to assess performance. Conditional credit approval is advised, with close monitoring of trading results and cash flows as the company develops its business. Strengthening financial data and operational evidence will be required for any future credit facility expansion.

GSDA GROUP LIMITED - Analysis Report

Company Number: 15042185

Analysis Date: 2025-07-29 15:49 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   GSDA GROUP LIMITED is a recently incorporated micro-entity with minimal financial history. The company’s balance sheet shows a small asset base (£30) and no liabilities, indicating no current debt burden. However, the absence of revenue or profit data and very limited operating history constrains a full credit approval at this stage. The company appears solvent but lacks demonstrated cash flow generation or trading performance. Conditional approval is recommended subject to periodic review once trading results are available.

2. Financial Strength:
   The company’s balance sheet as of 31 August 2024 shows total net assets of £30, comprising nominal fixed and current assets (both £10), with no current liabilities. The net current assets of £10 indicate a positive working capital position, although amounts are very modest. The capital structure is fully equity financed with no debt. Overall, the financial strength is very limited due to the company’s new status, small scale, and minimal asset base. There is no evidence of financial leverage or risk exposure at this stage.

3. Cash Flow Assessment:
   Reported current assets of £10 and zero current liabilities imply no immediate liquidity concerns. The micro-entity has an average of 2 employees, suggesting operating expenses exist but details on cash inflows or revenue are unavailable. Given the early stage of operations, cash flow visibility is insufficient to assess debt service capacity confidently. Monitoring future cash flow statements and income generation will be critical to evaluate the company’s ability to meet obligations as it grows.

4. Monitoring Points:

• Trading performance and revenue generation in forthcoming accounting periods.
• Timely submission of subsequent annual accounts and confirmation statements.
• Changes in working capital and cash flow position reflecting operational scale-up.
• Credit utilization if new borrowing or trade credit is extended.
• Any director changes or PSC adjustments that may impact governance or control.
• Evidence of sustainable profitability and positive cash flow trends.